Snow accumulation on your roof can be caused by severe winter storms and blizzards, and sometimes, the sheer weight of it can cause a collapse. When it melts too quickly, it can cause major flooding and damage due to the water rising in your basement, which can also cause problems with your septic system. But does your homeowner’s insurance cover it?
If your roof collapses due to snow and ice, then your homeowners insurance should cover it. Superior Construction Co., a trusted name among residential roofing contractors, explains more below:
What Does Your Insurance Cover?
Your homeowners insurance policy should be able to cover damage that results directly from winter weather events. But if your roof collapses, try to contain the damage whenever possible. This means moving your exposed belongings to an area where they won’t be damaged. If this isn’t possible, make sure to cover them with a tarp to keep them safe from additional water damage.
Aside from roof collapse due to snow accumulation, it should also cover wind damage during a blizzard, displacement due to a major power outage, and even frozen or burst pipes in some cases. But to minimize the damage, residential and commercial roofing contractors recommend that you maintain your roof regularly, keep records and take pictures as part of your insurance claim. With regular home maintenance, you can prevent problems before they ever occur.
What It Won’t Cover
Keep in mind that your insurance agent won’t take roof collapses at face value. For instance, if your roof was already old to begin with and needed to be replaced before it collapsed due to snow accumulation, then your insurance agent can either pay a depreciated amount of the damage or deny your claim completely. Unfortunately, if the snow melts too quickly and damages your basement and septic tank due to the rising water, it won’t be covered by a standard homeowner’s insurance policy.
If you’re searching online for “residential roofing contractors near me”, be sure to check out Superior Construction Co. To get started, just contact us at (978) 807-1401 or by filling out our convenient contact form.